| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 10 31 2025 AOL PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $58K | $60K | 3.83% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 SUITE 700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $134 | $8K | $8K | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES SE INC. | NFP CORPORATE SERVICES CHARLOTTE, NC 28211 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.84% |
| FALLON BENEFITS GROUP INC.3 | FALLON BENEFITS GROUP ATLANTA, GA 30326 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | PO BOX 785700 10 31 2025 AOL PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $2K | $7K | 11.49% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $801 | — | $801 | 1.24% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 63.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $644 | — | $644 | 35.08% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 295 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 89 | $64K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $90K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $88K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $88K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.6M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.